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AUD/USD 0.6712 Display
BTCA$88,557+2.14%
ETHA$4,612+1.88%
SOLA$241.30-0.62%
HYPEA$38.74+5.31%

CoinSpot vs CoinJar

CoinSpot and CoinJar compared on what decides the bill for an Australian: the real cost of an AUD buy, whether there is an AUD book to trade against, and who you are contracting with.

Trade on CoinSpotcoinspot.com.au Trade on CoinJarcoinjar.com Both links are affiliate links. They never change the ranking, the scores or the data on this page.
CoinSpot Melbourne · est 2013 · Brokerage + a 16-coin book
AUSTRAC + AFSLAll Coins In AUD1% Default Fee
Coindaily Score 76/100
coinspot.com.au CoinSpot homepage as served to Australian visitors
VS
CoinJar Melbourne · est 2013 · AUD order book
AUSTRAC RegisteredUK FCA RegisteredBook + Instant Buy
Coindaily Score 74/100
coinjar.com CoinJar homepage as served to Australian visitors
66
Costwhy
77
CoinSpot · 66
  • 1% on Instant Buy, Sell and Swap, the route the interface pushes you to, with an undisclosed quote spread on top
  • 0.1% on Markets, but only 6 of the 16 advertised pairs come out cheaper than that 1% once the book is crossed
  • Where it works it works well: BTC and ETH land near 0.25% all in on a small order. Beyond a few thousand dollars the book runs out
CoinJar · 77
  • Effective cost of the default route is about 0.40% (order book: taker plus spread)
  • 57% of the cost facts on our coinjar review read as favourable
22
Liquiditywhy
55
CoinSpot · 22
  • BTC/AUD is its deepest book and still held only A$127,000 of bids, 79% of it a single resting order
  • 9 of the 16 Markets pairs cost more to cross than CoinSpot's own 1% Instant fee; two cannot fill A$1,000 at all
  • 464 of its coins have no book whatsoever, only the price CoinSpot quotes you
CoinJar · 55
  • Crossing its AUD book costs a measured 0.081% on a A$10,000 order
  • A$154,101 of asks inside 1% of mid, top order 30% of that
  • Global liquidity standing 45/100 from the Coindaily exchanges table
96
AUD accesswhy
98
CoinSpot · 96
  • Every listed coin has an AUD price - no conversion step anywhere
  • Five deposit rails: PayID, direct deposit, card, PayPal and cash over the counter
  • Free AUD withdrawal, same day if you beat the 2pm AEDT cut-off
CoinJar · 98
  • Its AUD book is real and measurable: BTC/AUD at a 0.162% touch spread
  • 3 documented AUD deposit rails: PayID, Card, Bank
  • 80% of its money-in-and-out facts read as favourable
78
Trust & regulationwhy
66
CoinSpot · 78
  • AUSTRAC-registered since 2018; AFSL 562554 granted April 2026; ISO 27001 certified
  • Unqualified external statutory audits FY21 to FY23 confirming customer assets held 1:1
  • No Proof of Reserves, no audit published past FY23, and a ~A$2.4m hot wallet incident in November 2023
CoinJar · 66
  • AUSTRAC-registered, and holds no AFSL
  • 72% of its custody and regulation facts read as favourable
  • Operating since 2013
90
Asset rangewhy
66
CoinSpot · 90
  • 480+ coins - the largest range of any Australian exchange
  • 9,000+ direct coin-to-coin swap pairings
  • Only 16 coins get the 0.1% rate; staking has been suspended since September 2023
CoinJar · 66
  • 60 assets listed
  • 59% of its what-you-can-trade facts read as favourable
  • Not every listed asset is reachable in AUD
82
Features & supportwhy
87
CoinSpot · 82
  • Recurring buys, themed Bundles, an OTC desk from A$20,000 and a prepaid Mastercard
  • Four documented tax integrations (Koinly, Summ, Syla, CoinLedger) plus free EOFY statements
  • 24/7 Australian-based support, ~80% of tickets answered within an hour
CoinJar · 87
  • 82% of its trading, support and tax facts read as favourable
  • Drawn from 24 sourced facts across three sections
  • Scored on what is documented, not on marketing claims
CoinJar leads 4 of the 6 pillars. Scores are the desk's assessment of the evidence on this page, judged for an Australian buying in Australian dollars.
The Coindaily Score above ranks a venue globally: liquidity, cost and standing across every market it runs. The six pillars re-weight the same evidence for one specific job, an Australian funding an account in AUD. That is why a venue with a lower headline score can win pillars here. Full method on the exchanges table.

What a trade actually costs

Cost calculator

Three costs kept apart, because they are not the same thing: the published trading fee, the AUD conversion a venue with no AUD book forces on you, and the measured cost of crossing its order book. Click any route for the detail.

Scenario
RouteTrading feeAUD conversionCrossing the bookAll inOn A$1,000

Execution. Priced by quote. CoinSpot's buy/sell gap sits on top of the 1% and is not published as a rate, so the true all in is above the figure shown.

The default interface, and for most of CoinSpot's catalogue the only one. A flat 1% per trade, each way. CoinSpot does not disclose its Instant quote spread, so this figure is a floor rather than a ceiling.

Execution. Crosses the CoinSpot BTC/AUD book. It is thin and one-sided: at the last reading a single resting order was most of the sell side. Crossing costs more than the fee does.

The 0.1% is the fee alone, on 16 advertised pairs. Measured against CoinSpot's own 1% Instant Buy, only 6 of those pairs actually come out cheaper once you cross the book. This route works for BTC, ETH and a handful of majors, in small size.

Execution. Crosses its own AUD book, measured below.

Taker rate plus the measured cost of crossing the book.

Execution. Posting rather than taking avoids the crossing cost entirely.

You pay the maker rate and no spread, at the price of an uncertain fill.

On A$1,000 bought and held, the lowest all in cost is CoinJar · PayID, then post a limit order at A$1.00, of which 0% is crossing the book, not fee. That is A$9.00 below the dearest default route, about 10.0× cheaper.

The books behind those numbers

Both sides of both public books, walked 26 July 2026. Top order is the share of that side held by a single resting order: depth that is one order can leave. Anything above 25% of visible depth is marked too big rather than given a price it would not get.
VenueDepthTop orderA$1kA$5kA$10kA$25kA$50kA$100k
CoinSpotbuying A$300k 33%0.101%0.101%0.101%0.146%0.209%too big
CoinSpotselling A$186k 54%0.102%0.112%0.114%0.115%too bigtoo big
CoinJarbuying A$154k 30%0.081%0.081%0.081%0.081%too bigtoo big
CoinJarselling A$177k 21%0.081%0.081%0.081%0.081%too bigtoo big
Trading fees are the platforms' own published rates. Crossing costs are walked from the live order book. The AUD conversion is the one figure here we cannot verify from a public book, so it is modelled from the exchanges table and marked with a dotted underline; it is also the number that decides the Binance result, so treat it as an estimate rather than a quote. It applies only from an AUD start: if you already hold USDT, ignore that column and Binance's cheap route is 0.075%. Posting a limit order avoids the crossing cost at the price of an uncertain fill. Network fees are excluded, they depend on the chain rather than the venue.

Which CoinSpot pairs the 0.1% rate actually helps on

CoinSpot advertises a 0.1% fee on its Markets order book, against 1% on Instant Buy. The fee is real. The cost is the fee plus crossing the book, and on most of these pairs the book is barely there. Every pair below was walked on 26 July 2026 at a A$1,000 order.

6cheaper than Instant
9dearer than Instant
1no book
PairBuy A$1,000Sell A$1,000 Ask depthBid depthVerdict
USDT 0.17% 0.18% A$328k A$201k Cheaper than Instant
BTC 0.20% 0.20% A$311k A$188k Cheaper than Instant
SOL 0.36% 0.36% A$104k A$77k Cheaper than Instant
XRP 0.38% 0.38% A$111k A$248k Cheaper than Instant
ETH 0.44% 0.48% A$122k A$116k Cheaper than Instant
LTC 0.48% 0.49% A$43k A$32k Cheaper than Instant
TRX 1.85% 1.14% A$35k A$41k Dearer than Instant
DOGE 1.88% 1.88% A$58k A$66k Dearer than Instant
XLM 2.41% 2.41% A$38k A$48k Dearer than Instant
ADA 3.10% 3.10% A$122k A$63k Dearer than Instant
GAS 11.30% cannot fill A$19k A$565 Dearer than Instant
POWR 34.81% 11.13% A$1k A$10k Dearer than Instant
NEO 63.74% 25.76% A$3k A$2k Dearer than Instant
RHOC 168.50% 36.84% A$10k A$2k Dearer than Instant
EOS cannot fill cannot fill A$890 A$597 Dearer than Instant
RFOXno book No order book at all
Buy and sell costs are the measured cost of crossing that side plus the 0.1% Markets fee, so they compare like for like against the 1% Instant Buy fee. A pair marked cannot fill does not hold A$1,000 of resting orders on that side. Thin books move fast: these are a snapshot, and the illiquid pairs in particular will read differently hour to hour. The point is not the decimal, it is that most of these books are too small to trade against.

Which one is for you

Choose
CoinSpot
  • You are buying with Australian dollars and want a price in Australian dollars, with no conversion in between.
  • You want the widest AUD-priced catalogue in the country, 480+ coins, accepting that all but a handful are priced by quote rather than a book.
  • You want an Australian entity with an AFSL, ISO 27001 certification and published statutory audits.
  • You want an SMSF, company or trust account with EOFY statements your accountant already recognises.
But go in knowing
  • The 0.1% Markets fee is only a saving on 6 of the 16 pairs it is advertised on, once you cross the book.
  • Its deepest AUD book held under A$130,000 of bids, most of it a single order that can be withdrawn.
  • No Proof of Reserves, and the published audit has not moved past FY23.
Choose
CoinJar
  • Oldest local operator with a clean record
  • Dual AUSTRAC + FCA registration
  • Order book available at 0.1% - cheap for a local venue
  • Crypto Mastercard is genuinely useful
But go in knowing
  • ~60 assets - mid-sized menu
  • Exchange liquidity is modest; large orders need care
  • Brand quieter than the marketing-heavy locals
The call

For an AUD buy, CoinJar. Past that it depends on what you are doing.

These two are scored here for one job: an Australian funding an account in Australian dollars. The pillars above re-weight the same evidence for that reader, which is why they can disagree with the global Coindaily Score.

Buying with Australian dollars
CoinJar
Its default route lands at about 0.1% all in, against 1% on CoinSpot.
Order size in the tens of thousands
CoinJar
Crossing its AUD book costs a measured 0.081% at A$10,000, against 0.101%.
You want the stronger regulatory standing
CoinSpot
Scores 78 against 66 on licensing, custody and enforcement history.
You want the widest asset menu
CoinSpot
Scores 90 against 66 on how much is listed and reachable.
Tooling, tax reporting and support
CoinJar
Scores 87 against 82 across trading features, support and tax.
What would change it

Order book depth is the least stable figure on this page and the easiest to re-check: the measurements here are a single snapshot. Fees and licence conditions change too, so click through to a source on any row that matters to your decision.

Common questions

Is CoinSpot or CoinJar cheaper in Australia?

On the default route each one puts in front of you, CoinJar. It lands at about 0.1% all in against 1%. Those figures are the published fee plus, where the platform has no AUD order book, the cost of converting Australian dollars first. Where we could walk a live book, the measured cost of crossing it is included too.

Which has better execution, CoinSpot or CoinJar?

CoinJar. We walked both public AUD order books on the same day. Crossing CoinJar's cost a measured 0.081% on a A$10,000 order against 0.101% on CoinSpot. Depth matters as much as the fee: a low fee into a book that is not there costs more than a higher fee into one that is.

Which is more regulated, CoinSpot or CoinJar?

Both are on the AUSTRAC register. On our trust pillar, which weighs licensing, custody, audits and enforcement history from the sourced facts on each review, CoinSpot scores 78 and CoinJar scores 66. AUSTRAC registration is anti-money-laundering registration, not a financial services licence, and it says nothing about whether your balance is protected.

Which lists more assets, CoinSpot or CoinJar?

CoinSpot scores 90 and CoinJar scores 66 on asset range, which counts what is listed and weighs how much of it is actually reachable in Australian dollars. A large catalogue priced only against USDT is worth less to an Australian buyer than a smaller one priced in AUD.

Can I use both CoinSpot and CoinJar?

Yes, and plenty of Australians do: one platform as the AUD door, the other as the trading venue. Moving crypto between them costs a network fee, so it is only worth the extra step if the fee gap covers it. Both report to AUSTRAC and the ATO's data matching program either way.

Every fact we hold, side by side

All 153 researched facts from the CoinSpot and CoinJar reviews, grouped by the ten sections both pages share. Rows are shown as each platform documents them rather than forced into shared labels, so nothing is re-interpreted on the way here. Every row keeps its own source.

Section
CoinSpot
CoinJar
What it costsTrading fees, subscriptions, deposits and withdrawals 8 vs 8 facts
Recurring buyAutomated dollar cost averaging orders
1%Priced as an Instant trade
1%Card-funded recurring buys
Instant Buy, Sell and SwapThe default way to trade on CoinSpot, at a set price
1%Charged per trade, each way
CoinSpot Markets (order book)Peer-to-peer order book. The cheapest way to trade here, but only on the few pairs with a real book behind them
0.1% fee, 6 of 16 pairs beat InstantFlat rate, no maker/taker split
Stop loss, take profit, buy stop and buy limitConditional orders placed through Instant Buy/Sell, not Markets
1%Same rate as Instant
OTC deskLarge trades handled off the public order book
0.1%Minimum A$20,000 per trade
NFT marketplaceBuying or selling an NFT on CoinSpot's own marketplace
0.9% plus gasListing is free, creator royalties vary
AUD bank withdrawalCashing out to your Australian bank account
FreeNo minimum and no maximum
Crypto withdrawalSending coins to an external wallet
Variable network feeRate shown on each coin's send page
App instant buy and sellThe simple flow in the CoinJar app and web app. Applies to fiat to crypto, crypto to fiat and crypto to crypto.
1%Flat, no volume tiers
Instant buy by card or walletBuying with Visa, Mastercard, Apple Pay or Google Pay costs double the bank-funded rate.
2%Visa, Mastercard, Apple Pay, Google Pay
CoinJar Exchange - AUD pairsThe order-book venue. Fees fall with 30-day volume across AUD, USD and GBP pairs.
0.10% / 0.10%Maker / taker under $100k, down to 0.02% / 0.06% above $10m
CoinJar Exchange - crypto to cryptoCrypto-to-crypto and crypto-to-stablecoin pairs sit at a flat rate with no maker fee at any volume.
0.00% / 0.06%Maker / taker, all volume tiers
CoinJar Exchange - stablecoin pairsStablecoin-to-fiat and stablecoin-to-stablecoin are the cheapest book on the venue.
0.00% / 0.001%Maker / taker, all volume tiers
AUD deposits and withdrawalsPayID, Osko, NPP and standard bank transfers carry no CoinJar charge in either direction.
FreeBoth ways
Account and subscription feesNo sign-up charge, no monthly platform fee and no charge to open an entity account.
NoneNo setup or monthly charges
Limits and the costs that hideSpreads, deposit caps and charges that do not appear on a fee page 7 vs 8 facts
The Instant versus Markets gapTen times on the fee page. Once you cross the book it is about three times on BTC, and negative on most other pairs
Ten times on paperAbout three times in practice, on the majors
Bid/ask spread sits on top of the 1%CoinSpot quotes a buy price and a sell price, and the gap is yours to pay
Not disclosed as a rateWidens on low-liquidity coins
Card, Apple Pay and Google Pay depositsConvenience rails that carry a percentage charge
1.22%Capped at A$5,000 per 24 hours each
Cash depositPaying in over the counter through blueshyft newsagents
2.5%A$50 minimum, A$8,000 per 24 hours
PayPal in and outCheap to deposit, charged to withdraw
0.5% in, 2% outWithdrawal fee capped at A$1.25
Baseline deposit cap on new accountsLightly verified accounts are throttled until you upload a verification photo
A$10,000 per dayLifted on further verification
Markets orders can sit unfilledThe 0.1% rate depends on another CoinSpot customer taking the other side. Walking all 16 books on 26 July 2026, EOS and GAS could not fill a A$1,000 order on one or both sides
Two pairs could not fill A$1,000Verified against CoinSpot's public order book API
Spread on top of the 1%CoinJar applies a dynamic spread by trade size as well as the headline fee. Larger orders see a wider gap between buy and sell prices.
Dynamic, not publishedWidens with order size
PayPal depositPayPal funding is charged where PayID and bank transfer are not. PayPal withdrawals are free.
0.5%Deposit only
Chargeback or bank investigationDisputing a transaction or asking your bank to investigate triggers a flat charge plus any conversion costs.
$38.50Plus fiat to crypto conversion fees
Card foreign transaction feeSpending overseas or in a foreign currency on the CoinJar Card carries a currency conversion loading.
2.99%+CoinJar Card
Card ATM withdrawalPulling cash out through the CoinJar Card costs a percentage of the withdrawal.
1%Plus any ATM operator fee
Card transaction disputeSeparate to the bank dispute fee, raising a dispute on a CoinJar Card transaction is charged.
$27.50Per dispute
Crypto withdrawal network feeDynamic fees recalculated every 15 minutes, based on the asset and network congestion. CoinJar states it does not mark these up.
Network cost, variableRecalculated every 15 minutes
Card not available on entity accountsIf you trade through a company, trust or SMSF you lose access to the CoinJar Card and its rewards.
Individual accounts onlyCompany, trust and SMSF excluded
What you can tradeAssets, Australian dollar pairs, staking and derivatives 8 vs 8 facts
Total assets listedThe headline number, and the largest range of any Australian exchange
Over 480 coinsAll available via Instant Buy at 1%
Coins that get the 0.1% rateThe order book covers about 3% of the listed range, and the fee is only a saving where the book is deep enough to cross. We walked all 16 on 26 July 2026: only BTC, ETH, XRP, SOL, LTC and USDT came out cheaper than CoinSpot's own 1% Instant Buy on a A$1,000 order. ADA cost about 3.9%, DOGE 2.5%, RHOC far more. RFOX had no book at all.
16 advertised, 6 actually cheaper than InstantMeasured against the 1% Instant fee at A$1,000
Markets AUD pairs, verifiedCoinSpot's public API returns an order book for these and rejects everything else
BTC, ETH, XRP, SOL, ADA, DOGE, LTC, XLM, TRX, EOS, NEO, USDT, POWR, GAS, RFOX, RHOCPlus one BTC/USDT pair
Coin to coin swapDirect swaps between any two listed assets
9,000+ pairings at 1%Instant liquidity, no order book
OTC coverageWhich assets the high-volume desk will quote on
45+ coinsFully verified accounts only
Staking and EarnSuspended on regulatory grounds and still not back
Suspended since 1 September 2023Assets were returned to wallets
Derivatives, margin and leverageCoinSpot's own product list is spot only
Not offeredBuy, sell, swap, Markets, OTC
NFT marketplaceAn in-house marketplace alongside the exchange
30+ collections0.9% per trade
Assets listedCoinJar advertises more than 60 leading cryptocurrencies across its app and exchange.
60+Retail app and exchange
Australian dollar pricingEvery listed asset is quoted and traded in AUD on the Australian site, so there is no forced USD or USDT leg for the app flow.
All listed assets in AUDInstant buy flow
Exchange order-book pairsThe professional venue runs more than two hundred trading pairs, quoted as 380+ across AUD, USD, GBP and BTC bases.
200+ pairs380+ AUD, USD, GBP and BTC pairs
BundlesThemed baskets covering areas such as Bitcoin and Ethereum, DeFi and low-carbon assets, with proportional or cap-weighted allocation and one-click rebalancing.
YesRebalancing and Empty Bundle exit
Staking or earnCoinJar's current Australian product line-up covers instant buy, recurring buy, Bundles, Card, Rewards and Exchange. No native staking or interest product is listed.
Not listedRewards points are not a yield product
Derivatives and marginCoinJar Exchange is a spot venue. No futures, perpetuals, options or margin trading are advertised.
Spot onlyNo leverage products
CoinJar RewardsPoints earned on referrals, AUD buys and sells, Card spending and the CoinJar Store, redeemable against transaction fees or store items.
Points programmeAustralia only
OTC deskA concierge trading desk for large orders with guaranteed pricing and Australian-based account managers. Minimum ticket size is not published.
YesMinimum not published
How your assets are heldCustody, reserves, insurance and self-custody 7 vs 8 facts
Proof of ReservesNo cryptographic Merkle-tree attestation you can verify yourself
Not publishedFinancial audit used instead
No published attestationClaim only, not independently verifiable
Custody modelCoinSpot holds the private keys to coins in your account
Fully custodialYou hold an account balance, not keys
External statutory financial auditAn independent audit under Australian Auditing Standards
Unqualified opinion, FY21 to FY23Confirms customer assets held 1:1
Most recent audit publishedThe audit page has not moved past the FY23 result
FY23No FY24 or FY25 result in the help centre
ISO 27001 certificationFirst Australian exchange to be certified for information security
Certified, renewed to ISO 27001:2022Last documented renewal 30 June 2023
November 2023 hot wallet incidentAbout 1,283 ETH drained, attributed to a probable private key compromise
About A$2.4M lostNo customer losses reported
Self-custodyYou can withdraw to your own wallet and save addresses for reuse
SupportedAddress book for saved wallets
Custody partnersCustomer crypto is held with BitGo and Fireblocks rather than in wallets CoinJar builds itself.
BitGo and FireblocksThird-party institutional custodians
Cold storage shareCoinJar states more than 90% of assets sit in cold storage, multi-signature or MPC wallets.
90%+Cold, multi-sig or MPC
Reserve backingCoinJar claims full currency reserves at all times, with assets covering more than 100% of customer balances.
Claims 100%+Self-declared
InsuranceUp to US$250 million cover is cited on the institutional custody page. The page does not state whether ordinary retail balances are covered, and the insurer is not named.
Up to US$250m citedInstitutional custody context
Corporate insuranceCoinJar states its business is covered by Professional Indemnity and Directors and Officers insurance. This protects the company, not your coin balance.
PI and D&ONot a customer asset guarantee
Moving to self-custodyCrypto deposits are free and external withdrawals only cost the network fee, so there is no CoinJar penalty for taking coins off the platform.
Network fee onlyDeposits free
Bug bountyCoinJar runs a public vulnerability disclosure programme with security researchers via HackerOne.
YesHackerOne
Who can open an accountEntity types onboarded in Australia 6 vs 8 facts
IndividualStandard personal account with photo ID verification
YesDriver licence or passport
Yes, 18+ID verification required
Joint accountsCoinSpot documents only three entity types and joint is not one
Not offeredIndividual, SMSF, business/trust
Not offeredIndividual or entity only
Self-managed super fundA dedicated SMSF onboarding path with its own support team
YesTrust deed and trustee ID required
Company and trustBusiness and trust entities share one onboarding path
YesCertified trust documents or trust extract
Separate login per entityEach account type needs its own email address and password
RequiredAccounts are not linked
Australian residencyNon-residents who cannot supply Australian documents lose full functionality
Effectively requiredAUD withdrawals to Australian banks only
CompanyCompany accounts are onboarded with a dedicated entity email address and separately verified accounts for each director.
YesDirector verification required
TrustTrusts are supported. A certified copy or extract of the trust deed is required, including schedules, parties and execution pages.
YesCertified trust deed
SMSFSMSF is a selectable account type at sign-up, with registered trust details required. CoinJar markets a dedicated SMSF product.
YesSMSF trust deed required
MinorsThe terms of service require every member to warrant they are at least eighteen. There is no custodial or under-18 account.
No18+ only
Entity verification timeEntity applications are manually reviewed by CoinJar's compliance team rather than approved instantly.
About 5 business daysManual compliance review
Personal account prerequisiteEvery director, trustee or SMSF member needs their own verified personal CoinJar account under a separate email before the entity account can proceed.
RequiredOne per director or trustee
Trading featuresOrder types, recurring buys, tooling and access 7 vs 8 facts
API accessPublic market data plus read-only keys for third-party tools
YesRead-only recommended for tax tools
REST and WebSocketFree and documented
Order book order typesLimit-style orders on the 16 Markets coins, including pegged orders
Market and pegged ordersPercentage offset and price limit
Conditional ordersAvailable on all coins, but priced through Instant at 1%
Stop loss, take profit, buy stop, buy limit1% per trade
Recurring buysDollar cost averaging, with matching recurring AUD deposits
YesCharged at 1% per buy
BundlesBuy a themed basket of coins in one transaction
YesPriced as Instant trades
OTC quoting hoursAutomated quotes run around the clock, manual quotes do not
Automated 24/7, manual 8am to 10pmQuotes expire after 1 minute
CoinSpot MastercardPrepaid debit card funded from your CoinSpot balance
Yes18+, verified account, app 2FA required
Order typesCoinJar Exchange offers limit orders, stops and time-enforced order types through a customisable professional interface.
Limit, stop, time-in-forceCoinJar Exchange
Two platforms, one accountThe same login gives you the simple 1% instant-buy app and the low-fee order book, so beginners can graduate without moving exchanges.
App plus ExchangeShared account
Recurring buys and DCAWeekly, fortnightly or monthly automated purchases of single assets or Bundles, funded by Visa or Mastercard, pausable at any time.
YesWeekly, fortnightly, monthly
Bundle rebalancingBundles can be re-weighted in one click and wound down with the Empty Bundle function, which sells or transfers the underlying assets.
One-clickProportional or cap-allocated
Matching engineCoinJar runs a proprietary low-latency matching engine and claims no downtime since launching in 2013.
ProprietaryNo downtime claimed since 2013
CoinJar CardA prepaid Mastercard issued by EML Payment Solutions, available as digital and physical, working with Apple Pay and Google Pay. Free to issue.
Active1% spend returned as Rewards points
Status pageA public real-time status page shows wallet and service health, current incidents and scheduled maintenance.
Publicstatus.coinjar.com
Money in and outMinimums, methods and settlement speed 8 vs 8 facts
AUD withdrawalFree to your own Australian bank account, no limits either way
FreeNo minimum or maximum
FreeBank transfer
PayID and direct depositThe free rails, and the only ones without a CoinSpot-imposed cap
Free, A$1 minimumInstant, no CoinSpot 24-hour limit
Card, Apple Pay and Google PayInstant but charged, with the tightest daily cap
1.22%, A$1 minimumA$5,000 per 24 hours each
Cash depositOver the counter at blueshyft-enabled newsagents
2.5%, A$50 minimumA$8,000 per 24 hours
PayPal depositInstant funding from a PayPal balance
0.5%, A$1 minimumA$10,000 per 24 hours
POLi is gonePOLi shut down in Australia and CoinSpot stopped accepting it
Discontinued 28 September 2023Outside CoinSpot's control
Current deposit methodsThe full list CoinSpot documents as at July 2026 - BPAY is not among them
Card, cash, direct deposit, PayID, PayPalPlus Apple Pay and Google Pay
Withdrawal settlementSame-day processing if you beat the cut-off, otherwise next business day
Before 2pm AEDT weekdaysUp to two business days on weekends
PayID and OskoNear-instant AUD funding from a PayID-enabled Australian bank account. First-time deposits can take up to 24 hours.
Free, minutesFirst deposit up to 24 hours
Bank transferStandard BSB and account number transfers. Instant where your bank supports Osko, otherwise one to three business days.
FreeInstant with Osko, else 1-3 business days
Minimum depositThere is no minimum for bank transfer deposits. Maximums depend on your verified account limits and your own bank's caps.
NoneBank transfer
Card and mobile walletVisa, Mastercard, Apple Pay and Google Pay buy crypto instantly, but at double the app's bank-funded rate.
2%Instant settlement
PayPalPayPal is accepted for AUD funding at a charge, and PayPal withdrawals are free.
0.5% in, free outAUD
Crypto depositsReceiving crypto is free whether it comes from an external wallet or another CoinJar member. Internal transfers between members are also free.
FreeExternal and internal
Crypto withdrawalsCharged at a dynamic network fee that varies by asset and congestion, recalculated every 15 minutes with no stated CoinJar markup.
Network feeRecalculated every 15 minutes
Tax and reportingWhat you get at tax time, and what you do not 7 vs 8 facts
KoinlyGlobal crypto tax calculator with ATO myTax reports
Integrated30% off first plan with a CoinSpot code
API and CSVmyTax report
CoinLedgerA fourth documented tax integration
IntegratedStep-by-step guide provided
SupportedThird-party
EOFY statement and CSV exportDownloadable transaction records for your return or your accountant
FreeWeb and mobile app
Read-only API keysConnect tax software without granting trading or withdrawal rights
SupportedCoinSpot advises read-only
Summ, formerly Crypto Tax CalculatorAustralian-owned software built to ATO guidelines
Integrated30% off paid plans
SylaAustralian tax software supporting individual, company, trust and SMSF
Integrated30% off first year
SMSF audit reportingRead-only API access for accountants and fund auditors
SupportedEOFY reporting for fund obligations
Native tax reportCoinJar does not generate a finished capital gains or ATO-ready tax report. You export data and take it elsewhere.
Not providedExport and use third-party software
Transaction history exportTrading and transaction history can be downloaded as CSV from both the app and CoinJar Exchange for tax purposes.
CSV exportApp and Exchange
CoinTrackerCoinTracker imports CoinJar trades, purchases, sales and rewards and generates ATO-compliant reports for myTax or your accountant.
SupportedATO-compliant output
ATO data sharingAs an AUSTRAC-registered exchange CoinJar is inside the ATO's crypto data-matching net, so assume your activity is visible to the ATO.
Assume reportedAUSTRAC-registered DCE
API for tax toolingThe documented Exchange REST API lets tax software and accountants pull trade history programmatically rather than by manual export.
AvailableAdvanced API key
Institutional reportingBusiness, trust and SMSF clients get audit-ready reporting and real-time transaction tracking through the institutional custody offering.
Audit-ready reportsEntity and institutional accounts
Platform and supportApps, account security and how you reach a human 7 vs 8 facts
Support hoursLive chat and ticketing, staffed around the clock
24/7Australian-based team
Mon-Fri, 9am-3am AETPer the support page
Two-factor authenticationApp-based codes recommended, SMS also supported
Authenticator app and SMSCloud sync advised off
SMS or authenticator appNo hardware key documented
AppsFull-featured mobile apps alongside the website
iOS and AndroidMarkets, OTC and orders on mobile
Stated response timeCoinSpot's own published benchmark for ticket replies
About 80% within an hourLive chat or ticket
Extra account controlsLayered security settings beyond a password and 2FA
Anti-phishing phrase, geo-lock, phone phraseSet in the security menu
Withdrawal lockFreeze all AUD and coin withdrawals, with a deliberately slow unlock
YesAuthorisation photo required to re-enable
Withdrawal address allowlistAn address book saves wallets for convenience, but does not restrict sends to them
Address book, not a strict allowlistSaved favourites only
Weekend supportThe SMSF page advertises seven-day cover at 9am to 2am weekdays and 9am to 5.30pm weekends, which conflicts with the support page's weekday-only hours.
Listed on SMSF page9am-5.30pm Sat-Sun AEST
Australian teamCoinJar states support is handled by a local in-house team rather than an offshore outsourcer.
In-house, localAustralia-based
Contact channelsSupport runs through a ticket portal and email. A separate complaints address is published in the legal terms. No published phone line for retail.
Ticket and emailsupport@ and complaints@coinjar.com
Fraud monitoringMachine learning systems flag suspicious logins, account takeovers and financial fraud, backed by multi-level encryption and isolated internal networks.
AutomatedPlus staff background checks
Mobile appsNative iOS and Android apps carry the full instant buy, Bundles, Card and recurring buy experience.
iOS and AndroidPlus web app and Exchange
Security research programmeAn active bug bounty and vulnerability disclosure policy runs through HackerOne, alongside ongoing security audits.
Public bountyHackerOne
Trust and regulationThe entity you are actually contracting with 8 vs 8 facts
AUSTRAC registrationRegistered virtual asset service provider under AML/CTF law
Registered since 8 May 2018AML/CTF obligations only
DCE100749118-001Registered DCE and VASP
Legal entityThe company behind the CoinSpot brand
Casey Block Services Pty Ltd, ABN 19 619 574 186Trading as CoinSpot
AFSL 562554Held by Casey Block Services and recorded on ASIC's licensee register
Granted 29 April 2026Registered address Windsor VIC 3181
What the AFSL actually coversASIC's licence conditions limit it to non-cash payment products - not crypto dealing
Non-cash payment products onlyGeneral advice and dealing, that scope only
Crypto trading itself is unlicensedCoinSpot's own terms state coins remain largely unregulated
No crypto-specific licenceNot covered by financial product protections
Incoming regimeA licensing regime for crypto asset services is being phased in
Digital Assets Framework, staged to 2027ASIC to oversee
Scale and baseMelbourne-based and the largest Australian exchange by customer count
3m+ customersFounded 2013
Travel RuleSender and recipient details are collected and shared on transfers
AppliesAUSTRAC-enforced
Australian legal entityYour contract is with CoinJar Australia Pty Ltd, registered at 805/220 Collins Street, Melbourne.
CoinJar Australia Pty LtdACN 648 570 807
AFSLCoinJar does not hold its own Australian Financial Services Licence. It acts as an authorised representative of EML Payment Solutions for the CoinJar Card only, and crypto trading itself sits outside that authorisation.
No own AFSLAR 1290193 under EML AFSL 404131
Card issuerThe CoinJar Card is a prepaid Mastercard issued by EML Payment Solutions Limited, ABN 30 131 436 532, with its own PDS, FSG and target market determination.
EML Payment SolutionsAFSL 404131
UK entity and FCACoinJar UK Limited is registered with the Financial Conduct Authority as a Cryptoasset Exchange Provider and Custodian Wallet Provider under the 2017 Money Laundering Regulations.
FCA FRN 928767Company number 8905988
Track recordFounded in Melbourne in 2013 by Asher Tan and Ryan Zhou, making it one of Australia's oldest continuously operating exchanges, now serving 800,000+ customers.
Since 2013800,000+ customers
Security incident historyNo customer-fund breach has been publicly reported across CoinJar's operating history, and CoinJar claims no downtime since 2013. Absence of reports is not the same as an audited record.
None reportedNo published breach
Terms currencyThe Australian terms of service were last updated with effect from 28 May 2026, and separate terms apply for UK and Irish customers.
Effective 28 May 2026Separate UK and IE terms
Checked on 26 July 2026. 11 facts happened to line up by name and are shown as single rows; the rest sit in each platform's own column. Hover a row: src opens the primary document, flags that platform's value as wrong.
VisitCoinSpotcoinspot.com.au VisitCoinJarcoinjar.com
Registrations, licences, fees and product availability change. Check the current AUSTRAC Virtual Asset Service Provider Register and each platform's own disclosures before depositing. This page is general information only, not financial advice, and contains modelled figures where a platform does not publish a rate. Coindaily may earn a commission from links marked as such - it never changes the ranking or the data.

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